Property Atlas

County hazard profile

Carteret, NC

North Carolina · pop. 67,625 · FIPS 37031

Relatively Moderate
FEMA risk rating · RATING
Hurricane
dominant hazard
$129M
modeled expected annual loss/yr

Expected annual loss · all 3,232 U.S. counties

near the national middle (40th percentile)

national median $15M/yr Carteret $129M

A real dollar distribution: most counties sit far below a handful of high-exposure ones. A FEMA model of annual loss, not a record of disasters.

FEMA national percentile scores

FEMA/CDC score each county 0–100 against all others — the score is the national rank (RATING). Higher risk and vulnerability are worse; higher resilience is better.

FEMA risk indexRelatively Moderate 93.48/100
national median ~50 among the highest nationally
Social vulnerabilityRelatively Moderate 52.39/100
national median ~50 near the national middle (52nd percentile)
Community resilienceVery High 91.98/100
national median ~50 among the highest nationally

Recorded · NFIP flood claims RECORDED

Realized flood losses in Carteret

The National Flood Insurance Program has paid 8,996 flood-insurance claims totaling $128.8M in Carteret since 1978. The costliest year was 2018 ($66.5M paid).

Flood-insurance dollars paid by year of loss

1978: $0 paid 1979: $0 paid 1980: $28,529 paid 1981: $9,642 paid 1982: $14,603 paid 1983: $101,310 paid 1984: $30,283 paid 1985: $108,585 paid 1986: $29,288 paid 1987: $39,199 paid 1988: $102,119 paid 1989: $1,797 paid 1991: $1,962 paid 1992: $3,019 paid 1993: $52,199 paid 1994: $168,531 paid 1995: $285,967 paid 1996: $7,660,067 paid 1997: $233,118 paid 1998: $1,737,980 paid 1999: $10,660,105 paid 2000: $34,037 paid 2001: $4,840 paid 2002: $41,074 paid 2003: $16,724,048 paid 2004: $359,818 paid 2005: $8,718,425 paid 2006: $61,744 paid 2007: $0 paid 2008: $17,863 paid 2009: $151,349 paid 2010: $614,475 paid 2011: $10,506,191 paid 2012: $10,509 paid 2013: $95,629 paid 2014: $219,785 paid 2015: $607,636 paid 2016: $115,514 paid 2017: $0 paid 2018: $66,487,277 paid 2019: $1,266,093 paid 2020: $82,161 paid 2021: $16,890 paid 2022: $733,986 paid 2023: $229,523 paid 2024: $441,327 paid 2025: $33,306 paid 2026: $0 paid 2018 · $66.5M 1978 2026
$128.8M
total paid
$14,322
average claim
$600K
largest single claim
74%
in high-risk flood zones (A/V)

RECORDED — these are actual paid NFIP claims (a redacted census from OpenFEMA), not a model. They are the realized counterpart to the FEMA risk score above: one is what happened and got paid, the other is what a model predicts.

Scope: these are flood-insurance claims, so they undercount flooding where owners were uninsured — read this as "what NFIP paid here," not "every flood." County-level totals, not a per-property or per-address verdict. Verify a specific address and buy coverage at FloodSmart.gov; the underlying data is OpenFEMA NFIP Redacted Claims.

What these figures mean

  • RATING — the FEMA risk score, expected loss, social vulnerability, and resilience are FEMA/CDC models, not records of disasters that happened. The 0–100 scores are already national percentiles.
  • MEASURED — population is a recorded census figure.
  • COMPUTED — the county's rank within the dollar-loss distribution is our placement over the 3,232 counties.
  • CONTEXT — the note below is framing, not a measurement.

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What this is — and is not

This is FEMA/CDC modeled hazard exposure for Carteret, NC and where it ranks among U.S. counties. It is not a verdict on whether Carteret is a good or bad place to live — hazard exposure is not place quality, and a county can't opt out of its geography. It is not a per-property or per-address risk assessment, not a prediction of any specific disaster, and not insurance advice. For site-specific risk use a per-property assessment; for the underlying model see FEMA National Risk Index.